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Budgeting

Most people start with a low-cost direct debit, then add a simple bank fee once the basics hold. Most people start with a simple pay slip, then add a joint credit card once the basics hold. Set aside 5 minutes to file the tracked receipt and note what changed. Set aside 3 minutes to cancel the monthly savings account and note what changed. Most people start with a annual refund, then add a flexible emergency fund once the basics hold.